Home > Borrego Springs Bank > Performance and Condition Ratios
Borrego Springs Bank, Performance and Condition Ratios
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9067% | 308 |
Cost of funding earning assets | 0.9769% | 1,485 |
Net interest margin | 4.9298% | 427 |
Noninterest income to average assets | 6.2570% | 112 |
Noninterest expense to average assets | 8.3411% | 105 |
Loan and lease loss provision to assets | 1.0268% | 386 |
Net operating income to assets | 0.6656% | 3,911 |
Return on assets (ROA) | 0.6656% | 4,175 |
Pretax return on assets | 0.8306% | 4,178 |
Return on Equity (ROE) | 6.5326% | 3,895 |
Retained earnings to average equity (ytd only) | 6.5326% | 1,800 |
Net charge-offs to loans | 1.3466% | 709 |
Credit loss provision to net charge-offs | 108.9406% | 2,697 |
Earnings coverage of net charge-offs (x) | 1.9707% | 4,435 |
Efficiency ratio | 81.7873% | 1,901 |
Assets per employee ($millions) | 1.9682% | 6,909 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6530% | 377 |
Loan loss allowance to noncurrent loans | 25.6738% | 6,220 |
Noncurrent assets plus other real estate owned to assets | 13.1877% | 107 |
Noncurrent loans to loans | 14.2287% | 91 |
Net loans and leases to total assets | 68.4358% | 2,113 |
Net loans and leases to deposits | 80.0983% | 2,269 |
Net loans and leases to core deposits | 98.3919% | 1,122 |
Total domestic deposits to total assets | 85.4398% | 3,642 |
Equity capital to assets | 11.2661% | 2,669 |
Core capital (leverage) ratio | 10.3806% | 2,914 |
Tier 1 risk-based capital ratio | 13.9461% | 4,410 |
Total risk-based capital ratio | 15.2236% | 4,365 |
Memoranda: | ||
Average total assets | $141,216,800 | 3,928 |
Average earning assets | $112,905,600 | 4,275 |
Average equity | $14,389,400 | 4,090 |
Average total loans | $98,845,000 | 3,555 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8558% | 361 |
Cost of funding earning assets | 0.9909% | 1,618 |
Net interest margin | 4.8649% | 508 |
Noninterest income to average assets | 5.9788% | 119 |
Noninterest expense to average assets | 8.2128% | 103 |
Loan and lease loss provision to assets | 1.0867% | 361 |
Net operating income to assets | 0.3402% | 5,474 |
Return on assets (ROA) | 0.3402% | 5,677 |
Pretax return on assets | 0.5764% | 5,242 |
Return on Equity (ROE) | 3.4296% | 5,518 |
Retained earnings to average equity (ytd only) | 3.4296% | 4,450 |
Net charge-offs to loans | 1.3781% | 660 |
Credit loss provision to net charge-offs | 113.0777% | 2,584 |
Earnings coverage of net charge-offs (x) | 1.7306% | 4,406 |
Efficiency ratio | 83.1595% | 1,688 |
Assets per employee ($millions) | 2.0281% | 6,993 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6753% | 401 |
Loan loss allowance to noncurrent loans | 27.0999% | 6,255 |
Noncurrent assets plus other real estate owned to assets | 12.7907% | 135 |
Noncurrent loans to loans | 13.5620% | 119 |
Net loans and leases to total assets | 68.1390% | 2,271 |
Net loans and leases to deposits | 79.7344% | 2,433 |
Net loans and leases to core deposits | 98.5584% | 1,224 |
Total domestic deposits to total assets | 85.4575% | 3,538 |
Equity capital to assets | 10.8368% | 3,458 |
Core capital (leverage) ratio | 10.5431% | 2,866 |
Tier 1 risk-based capital ratio | 14.2098% | 4,377 |
Total risk-based capital ratio | 15.4905% | 4,326 |
Memoranda: | ||
Average total assets | $141,094,000 | 3,972 |
Average earning assets | $113,025,000 | 4,314 |
Average equity | $13,995,500 | 4,192 |
Average total loans | $98,392,250 | 3,606 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7473% | 439 |
Cost of funding earning assets | 1.0058% | 1,734 |
Net interest margin | 4.7416% | 621 |
Noninterest income to average assets | 5.4218% | 127 |
Noninterest expense to average assets | 8.6007% | 99 |
Loan and lease loss provision to assets | 1.2074% | 342 |
Net operating income to assets | -0.3466% | 6,649 |
Return on assets (ROA) | -0.3466% | 6,698 |
Pretax return on assets | -0.5895% | 6,769 |
Return on Equity (ROE) | -3.6062% | 6,708 |
Retained earnings to average equity (ytd only) | -3.6062% | 6,520 |
Net charge-offs to loans | 1.7316% | 518 |
Credit loss provision to net charge-offs | 100.4728% | 2,704 |
Earnings coverage of net charge-offs (x) | 0.5142% | 4,815 |
Efficiency ratio | 93.2974% | 844 |
Assets per employee ($millions) | 2.0223% | 7,047 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5320% | 484 |
Loan loss allowance to noncurrent loans | 29.6216% | 6,175 |
Noncurrent assets plus other real estate owned to assets | 11.3699% | 202 |
Noncurrent loans to loans | 11.9238% | 174 |
Net loans and leases to total assets | 65.0101% | 2,843 |
Net loans and leases to deposits | 74.8978% | 3,142 |
Net loans and leases to core deposits | 92.2641% | 1,756 |
Total domestic deposits to total assets | 86.7984% | 2,894 |
Equity capital to assets | 9.8771% | 4,512 |
Core capital (leverage) ratio | 9.8101% | 3,706 |
Tier 1 risk-based capital ratio | 12.5704% | 5,520 |
Total risk-based capital ratio | 13.8519% | 5,480 |
Memoranda: | ||
Average total assets | $140,802,000 | 3,995 |
Average earning assets | $112,747,670 | 4,341 |
Average equity | $13,532,330 | 4,294 |
Average total loans | $97,713,670 | 3,632 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8338% | 403 |
Cost of funding earning assets | 1.0436% | 1,720 |
Net interest margin | 4.7902% | 576 |
Noninterest income to average assets | 5.7634% | 123 |
Noninterest expense to average assets | 8.5409% | 103 |
Loan and lease loss provision to assets | 2.1998% | 127 |
Net operating income to assets | -0.6863% | 6,907 |
Return on assets (ROA) | -0.6863% | 6,928 |
Pretax return on assets | -1.1673% | 7,015 |
Return on Equity (ROE) | -7.2513% | 6,927 |
Retained earnings to average equity (ytd only) | -7.2513% | 6,726 |
Net charge-offs to loans | 3.1577% | 222 |
Credit loss provision to net charge-offs | 98.8142% | 2,394 |
Earnings coverage of net charge-offs (x) | 0.4638% | 4,112 |
Efficiency ratio | 89.2157% | 1,158 |
Assets per employee ($millions) | 1.8136% | 7,170 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6720% | 475 |
Loan loss allowance to noncurrent loans | 31.7413% | 6,082 |
Noncurrent assets plus other real estate owned to assets | 11.8600% | 212 |
Noncurrent loans to loans | 11.5685% | 220 |
Net loans and leases to total assets | 65.8148% | 2,499 |
Net loans and leases to deposits | 75.2818% | 2,929 |
Net loans and leases to core deposits | 93.5359% | 1,502 |
Total domestic deposits to total assets | 87.4246% | 2,704 |
Equity capital to assets | 9.0422% | 5,432 |
Core capital (leverage) ratio | 9.0173% | 4,814 |
Tier 1 risk-based capital ratio | 11.2087% | 6,438 |
Total risk-based capital ratio | 12.4856% | 6,407 |
Memoranda: | ||
Average total assets | $136,378,500 | 4,103 |
Average earning assets | $108,471,500 | 4,470 |
Average equity | $12,908,000 | 4,418 |
Average total loans | $96,146,000 | 3,683 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2409% | 279 |
Cost of funding earning assets | 1.2694% | 1,633 |
Net interest margin | 4.9716% | 434 |
Noninterest income to average assets | 7.0614% | 87 |
Noninterest expense to average assets | 8.4359% | 94 |
Loan and lease loss provision to assets | 1.8123% | 364 |
Net operating income to assets | 0.6961% | 3,514 |
Return on assets (ROA) | 0.7481% | 3,435 |
Pretax return on assets | 0.9627% | 3,381 |
Return on Equity (ROE) | 8.1464% | 2,833 |
Retained earnings to average equity (ytd only) | 8.1464% | 1,033 |
Net charge-offs to loans | 1.6544% | 940 |
Credit loss provision to net charge-offs | 147.1454% | 1,939 |
Earnings coverage of net charge-offs (x) | 2.1989% | 4,136 |
Efficiency ratio | 75.6977% | 2,935 |
Assets per employee ($millions) | 1.6620% | 7,240 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7201% | 458 |
Loan loss allowance to noncurrent loans | 28.6843% | 6,269 |
Noncurrent assets plus other real estate owned to assets | 12.5920% | 183 |
Noncurrent loans to loans | 12.9692% | 172 |
Net loans and leases to total assets | 70.1336% | 2,007 |
Net loans and leases to deposits | 80.1469% | 2,496 |
Net loans and leases to core deposits | 102.4807% | 998 |
Total domestic deposits to total assets | 87.5063% | 2,464 |
Equity capital to assets | 9.9202% | 4,274 |
Core capital (leverage) ratio | 9.1715% | 4,512 |
Tier 1 risk-based capital ratio | 11.7521% | 5,991 |
Total risk-based capital ratio | 13.0338% | 5,951 |
Memoranda: | ||
Average total assets | $137,946,800 | 4,013 |
Average earning assets | $113,284,200 | 4,300 |
Average equity | $12,668,200 | 4,404 |
Average total loans | $102,697,200 | 3,553 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2368% | 302 |
Cost of funding earning assets | 1.3217% | 1,588 |
Net interest margin | 4.9151% | 494 |
Noninterest income to average assets | 7.1273% | 87 |
Noninterest expense to average assets | 8.3164% | 97 |
Loan and lease loss provision to assets | 2.0056% | 273 |
Net operating income to assets | 0.7034% | 3,603 |
Return on assets (ROA) | 0.7745% | 3,440 |
Pretax return on assets | 0.9598% | 3,557 |
Return on Equity (ROE) | 8.5962% | 2,779 |
Retained earnings to average equity (ytd only) | 8.5962% | 1,280 |
Net charge-offs to loans | 1.7703% | 761 |
Credit loss provision to net charge-offs | 151.4059% | 2,060 |
Earnings coverage of net charge-offs (x) | 2.1723% | 4,041 |
Efficiency ratio | 74.2940% | 3,122 |
Assets per employee ($millions) | 1.6312% | 7,322 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6051% | 515 |
Loan loss allowance to noncurrent loans | 22.2464% | 6,615 |
Noncurrent assets plus other real estate owned to assets | 13.7693% | 166 |
Noncurrent loans to loans | 16.2052% | 112 |
Net loans and leases to total assets | 69.3648% | 2,200 |
Net loans and leases to deposits | 78.7511% | 2,854 |
Net loans and leases to core deposits | 99.8601% | 1,256 |
Total domestic deposits to total assets | 88.0810% | 1,998 |
Equity capital to assets | 9.5723% | 4,976 |
Core capital (leverage) ratio | 9.0513% | 4,850 |
Tier 1 risk-based capital ratio | 12.0728% | 5,847 |
Total risk-based capital ratio | 13.3550% | 5,808 |
Memoranda: | ||
Average total assets | $139,609,000 | 4,008 |
Average earning assets | $115,505,750 | 4,266 |
Average equity | $12,579,000 | 4,433 |
Average total loans | $104,461,000 | 3,533 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0652% | 417 |
Cost of funding earning assets | 1.4456% | 1,206 |
Net interest margin | 4.6197% | 875 |
Noninterest income to average assets | 7.5884% | 86 |
Noninterest expense to average assets | 8.0320% | 113 |
Loan and lease loss provision to assets | 2.1193% | 280 |
Net operating income to assets | 1.0681% | 1,977 |
Return on assets (ROA) | 1.0681% | 2,066 |
Pretax return on assets | 1.2885% | 2,169 |
Return on Equity (ROE) | 12.0921% | 1,462 |
Retained earnings to average equity (ytd only) | 12.0921% | 507 |
Net charge-offs to loans | 1.7668% | 804 |
Credit loss provision to net charge-offs | 158.3949% | 1,921 |
Earnings coverage of net charge-offs (x) | 2.5470% | 3,554 |
Efficiency ratio | 70.2112% | 4,074 |
Assets per employee ($millions) | 1.6935% | 7,375 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3969% | 649 |
Loan loss allowance to noncurrent loans | 19.8049% | 6,725 |
Noncurrent assets plus other real estate owned to assets | 13.9585% | 174 |
Noncurrent loans to loans | 17.1519% | 96 |
Net loans and leases to total assets | 68.6231% | 2,490 |
Net loans and leases to deposits | 77.3766% | 3,240 |
Net loans and leases to core deposits | 94.6002% | 1,836 |
Total domestic deposits to total assets | 88.6871% | 1,729 |
Equity capital to assets | 9.3533% | 5,068 |
Core capital (leverage) ratio | 8.5185% | 5,521 |
Tier 1 risk-based capital ratio | 12.1623% | 5,651 |
Total risk-based capital ratio | 13.4467% | 5,602 |
Memoranda: | ||
Average total assets | $141,558,330 | 4,002 |
Average earning assets | $118,016,670 | 4,232 |
Average equity | $12,504,000 | 4,434 |
Average total loans | $107,197,000 | 3,522 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3381% | 266 |
Cost of funding earning assets | 1.7769% | 411 |
Net interest margin | 4.5612% | 937 |
Noninterest income to average assets | 7.6688% | 90 |
Noninterest expense to average assets | 7.9415% | 110 |
Loan and lease loss provision to assets | 2.0869% | 261 |
Net operating income to assets | 1.4831% | 901 |
Return on assets (ROA) | 1.4831% | 945 |
Pretax return on assets | 1.4831% | 1,496 |
Return on Equity (ROE) | 17.2757% | 539 |
Retained earnings to average equity (ytd only) | 17.2757% | 264 |
Net charge-offs to loans | 1.4348% | 951 |
Credit loss provision to net charge-offs | 186.5672% | 1,576 |
Earnings coverage of net charge-offs (x) | 3.1915% | 2,822 |
Efficiency ratio | 68.9872% | 4,479 |
Assets per employee ($millions) | 1.9058% | 7,397 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8761% | 1,034 |
Loan loss allowance to noncurrent loans | 17.8121% | 6,842 |
Noncurrent assets plus other real estate owned to assets | 12.7409% | 226 |
Noncurrent loans to loans | 16.1470% | 119 |
Net loans and leases to total assets | 70.5345% | 2,024 |
Net loans and leases to deposits | 87.8394% | 1,484 |
Net loans and leases to core deposits | 113.5867% | 612 |
Total domestic deposits to total assets | 80.2994% | 5,871 |
Equity capital to assets | 8.4834% | 5,931 |
Core capital (leverage) ratio | 8.3018% | 5,807 |
Tier 1 risk-based capital ratio | 12.7326% | 5,030 |
Total risk-based capital ratio | 14.0077% | 4,989 |
Memoranda: | ||
Average total assets | $143,752,000 | 3,999 |
Average earning assets | $121,108,000 | 4,197 |
Average equity | $12,341,000 | 4,476 |
Average total loans | $112,075,000 | 3,441 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4318% | 355 |
Cost of funding earning assets | 1.5452% | 2,373 |
Net interest margin | 4.8866% | 561 |
Noninterest income to average assets | 7.0113% | 93 |
Noninterest expense to average assets | 8.0077% | 114 |
Loan and lease loss provision to assets | 1.7517% | 802 |
Net operating income to assets | 1.4764% | 809 |
Return on assets (ROA) | 1.4764% | 867 |
Pretax return on assets | 1.4764% | 1,435 |
Return on Equity (ROE) | 19.7294% | 271 |
Retained earnings to average equity (ytd only) | 19.7294% | 60 |
Net charge-offs to loans | 1.8208% | 1,157 |
Credit loss provision to net charge-offs | 123.5234% | 3,355 |
Earnings coverage of net charge-offs (x) | 2.2763% | 4,017 |
Efficiency ratio | 71.2693% | 3,939 |
Assets per employee ($millions) | 1.7801% | 7,496 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3728% | 1,586 |
Loan loss allowance to noncurrent loans | 15.3859% | 6,975 |
Noncurrent assets plus other real estate owned to assets | 13.7315% | 202 |
Noncurrent loans to loans | 15.4219% | 152 |
Net loans and leases to total assets | 81.6967% | 473 |
Net loans and leases to deposits | 116.1149% | 143 |
Net loans and leases to core deposits | 149.5872% | 178 |
Total domestic deposits to total assets | 70.3584% | 7,218 |
Equity capital to assets | 8.6936% | 5,596 |
Core capital (leverage) ratio | 8.3712% | 5,588 |
Tier 1 risk-based capital ratio | 12.3979% | 5,115 |
Total risk-based capital ratio | 13.6674% | 5,073 |
Memoranda: | ||
Average total assets | $137,292,400 | 4,112 |
Average earning assets | $118,691,600 | 4,259 |
Average equity | $10,274,000 | 5,051 |
Average total loans | $106,932,800 | 3,613 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2015% | 617 |
Cost of funding earning assets | 1.4884% | 3,046 |
Net interest margin | 4.7131% | 819 |
Noninterest income to average assets | 9.7809% | 63 |
Noninterest expense to average assets | 10.6213% | 71 |
Loan and lease loss provision to assets | 2.2254% | 501 |
Net operating income to assets | 1.0236% | 2,161 |
Return on assets (ROA) | 1.0236% | 2,268 |
Pretax return on assets | 1.0236% | 3,095 |
Return on Equity (ROE) | 14.2630% | 978 |
Retained earnings to average equity (ytd only) | 14.2630% | 258 |
Net charge-offs to loans | 2.2341% | 800 |
Credit loss provision to net charge-offs | 130.3480% | 3,100 |
Earnings coverage of net charge-offs (x) | 1.9030% | 4,281 |
Efficiency ratio | 76.5763% | 2,839 |
Assets per employee ($millions) | 2.0266% | 7,508 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4020% | 1,469 |
Loan loss allowance to noncurrent loans | 20.4434% | 6,895 |
Noncurrent assets plus other real estate owned to assets | 9.1025% | 490 |
Noncurrent loans to loans | 11.7493% | 307 |
Net loans and leases to total assets | 72.7690% | 2,061 |
Net loans and leases to deposits | 99.5396% | 687 |
Net loans and leases to core deposits | 136.1120% | 299 |
Total domestic deposits to total assets | 73.1055% | 7,022 |
Equity capital to assets | 7.0276% | 7,336 |
Core capital (leverage) ratio | 7.4519% | 6,880 |
Tier 1 risk-based capital ratio | 11.7018% | 5,728 |
Total risk-based capital ratio | 12.9732% | 5,680 |
Memoranda: | ||
Average total assets | $136,903,250 | 4,166 |
Average earning assets | $118,786,000 | 4,314 |
Average equity | $9,824,750 | 5,249 |
Average total loans | $104,618,000 | 3,720 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1858% | 640 |
Cost of funding earning assets | 1.4201% | 3,745 |
Net interest margin | 4.7657% | 700 |
Noninterest income to average assets | 5.6975% | 117 |
Noninterest expense to average assets | 9.6592% | 84 |
Loan and lease loss provision to assets | 1.4787% | 898 |
Net operating income to assets | -1.3308% | 7,088 |
Return on assets (ROA) | -1.3308% | 7,104 |
Pretax return on assets | -1.3308% | 7,025 |
Return on Equity (ROE) | -18.3895% | 7,236 |
Retained earnings to average equity (ytd only) | -18.3895% | 7,210 |
Net charge-offs to loans | 1.3532% | 1,409 |
Credit loss provision to net charge-offs | 141.5929% | 2,819 |
Earnings coverage of net charge-offs (x) | 0.1416% | 5,579 |
Efficiency ratio | 98.4922% | 861 |
Assets per employee ($millions) | 1.9306% | 7,609 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1131% | 1,943 |
Loan loss allowance to noncurrent loans | 19.6140% | 6,962 |
Noncurrent assets plus other real estate owned to assets | 9.5924% | 441 |
Noncurrent loans to loans | 10.7736% | 383 |
Net loans and leases to total assets | 78.3918% | 1,045 |
Net loans and leases to deposits | 111.1969% | 248 |
Net loans and leases to core deposits | 154.6781% | 192 |
Total domestic deposits to total assets | 70.4982% | 7,294 |
Equity capital to assets | 6.0295% | 7,535 |
Core capital (leverage) ratio | 6.5048% | 7,382 |
Tier 1 risk-based capital ratio | 10.1187% | 6,957 |
Total risk-based capital ratio | 11.3883% | 6,918 |
Memoranda: | ||
Average total assets | $129,845,330 | 4,358 |
Average earning assets | $111,966,000 | 4,509 |
Average equity | $9,396,670 | 5,381 |
Average total loans | $100,203,330 | 3,891 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5973% | 310 |
Cost of funding earning assets | 1.1346% | 5,738 |
Net interest margin | 5.4627% | 189 |
Noninterest income to average assets | 3.5373% | 181 |
Noninterest expense to average assets | 9.9941% | 75 |
Loan and lease loss provision to assets | 1.9745% | 562 |
Net operating income to assets | -3.7836% | 7,704 |
Return on assets (ROA) | -3.7836% | 7,707 |
Pretax return on assets | -3.7836% | 7,673 |
Return on Equity (ROE) | -47.2149% | 7,701 |
Retained earnings to average equity (ytd only) | -47.2149% | 7,690 |
Net charge-offs to loans | 1.9006% | 909 |
Credit loss provision to net charge-offs | 137.9717% | 2,565 |
Earnings coverage of net charge-offs (x) | -1.2642% | 5,411 |
Efficiency ratio | 122.1031% | 419 |
Assets per employee ($millions) | 1.8035% | 7,755 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4537% | 1,356 |
Loan loss allowance to noncurrent loans | 20.0931% | 7,003 |
Noncurrent assets plus other real estate owned to assets | 9.7819% | 416 |
Noncurrent loans to loans | 12.2117% | 281 |
Net loans and leases to total assets | 73.2768% | 2,131 |
Net loans and leases to deposits | 95.4182% | 1,178 |
Net loans and leases to core deposits | 124.6794% | 627 |
Total domestic deposits to total assets | 76.7955% | 6,596 |
Equity capital to assets | 6.6986% | 7,481 |
Core capital (leverage) ratio | 7.4150% | 6,923 |
Tier 1 risk-based capital ratio | 10.7626% | 6,382 |
Total risk-based capital ratio | 12.0340% | 6,341 |
Memoranda: | ||
Average total assets | $118,510,000 | 4,668 |
Average earning assets | $100,828,500 | 4,852 |
Average equity | $9,497,000 | 5,389 |
Average total loans | $89,234,500 | 4,221 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4786% | 705 |
Cost of funding earning assets | 0.7654% | 7,601 |
Net interest margin | 5.7132% | 146 |
Noninterest income to average assets | 5.3353% | 134 |
Noninterest expense to average assets | 8.3613% | 126 |
Loan and lease loss provision to assets | 1.6791% | 1,364 |
Net operating income to assets | 0.6021% | 3,319 |
Return on assets (ROA) | 0.6021% | 3,393 |
Pretax return on assets | 0.2275% | 4,943 |
Return on Equity (ROE) | 7.0540% | 2,769 |
Retained earnings to average equity (ytd only) | 5.9964% | 1,344 |
Net charge-offs to loans | 1.6794% | 1,506 |
Credit loss provision to net charge-offs | 144.4099% | 3,308 |
Earnings coverage of net charge-offs (x) | 1.6398% | 4,514 |
Efficiency ratio | 81.4313% | 2,678 |
Assets per employee ($millions) | 1.3808% | 7,918 |
Cash dividends to net income (ytd only)* | 14.9925% | 3,786 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9394% | 814 |
Loan loss allowance to noncurrent loans | 31.7673% | 6,341 |
Noncurrent assets plus other real estate owned to assets | 7.8245% | 588 |
Noncurrent loans to loans | 9.2529% | 476 |
Net loans and leases to total assets | 73.3051% | 2,424 |
Net loans and leases to deposits | 86.7440% | 2,784 |
Net loans and leases to core deposits | 133.4118% | 1,092 |
Total domestic deposits to total assets | 84.5074% | 3,794 |
Equity capital to assets | 9.7085% | 4,137 |
Core capital (leverage) ratio | 9.9242% | 3,165 |
Tier 1 risk-based capital ratio | 12.6530% | 4,400 |
Total risk-based capital ratio | 13.9239% | 4,317 |
Memoranda: | ||
Average total assets | $110,771,800 | 4,802 |
Average earning assets | $95,638,400 | 4,957 |
Average equity | $9,455,600 | 5,461 |
Average total loans | $76,695,200 | 4,631 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3855% | 949 |
Cost of funding earning assets | 0.7675% | 7,740 |
Net interest margin | 5.6180% | 159 |
Noninterest income to average assets | 5.7667% | 127 |
Noninterest expense to average assets | 9.4809% | 108 |
Loan and lease loss provision to assets | 1.1642% | 1,666 |
Net operating income to assets | 0.0462% | 5,612 |
Return on assets (ROA) | 0.0462% | 5,645 |
Pretax return on assets | 0.0284% | 5,649 |
Return on Equity (ROE) | 0.5588% | 5,631 |
Retained earnings to average equity (ytd only) | -0.8740% | 5,459 |
Net charge-offs to loans | 1.5112% | 1,350 |
Credit loss provision to net charge-offs | 113.6416% | 4,469 |
Earnings coverage of net charge-offs (x) | 1.1642% | 4,900 |
Efficiency ratio | 88.8260% | 1,789 |
Assets per employee ($millions) | 1.6968% | 7,936 |
Cash dividends to net income (ytd only)* | 256.4038% | 136 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4782% | 1,085 |
Loan loss allowance to noncurrent loans | 32.6206% | 6,255 |
Noncurrent assets plus other real estate owned to assets | 6.2968% | 822 |
Noncurrent loans to loans | 7.5970% | 670 |
Net loans and leases to total assets | 65.8640% | 4,462 |
Net loans and leases to deposits | 76.2675% | 4,994 |
Net loans and leases to core deposits | 105.3529% | 3,775 |
Total domestic deposits to total assets | 86.3592% | 2,507 |
Equity capital to assets | 8.6006% | 6,116 |
Core capital (leverage) ratio | 8.9755% | 4,686 |
Tier 1 risk-based capital ratio | 13.0410% | 4,163 |
Total risk-based capital ratio | 14.3077% | 4,086 |
Memoranda: | ||
Average total assets | $112,575,000 | 4,789 |
Average earning assets | $98,324,250 | 4,912 |
Average equity | $9,306,000 | 5,556 |
Average total loans | $76,315,750 | 4,686 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5666% | 703 |
Cost of funding earning assets | 0.8274% | 7,786 |
Net interest margin | 5.7392% | 133 |
Noninterest income to average assets | 4.7152% | 141 |
Noninterest expense to average assets | 9.2363% | 126 |
Loan and lease loss provision to assets | 0.6176% | 2,580 |
Net operating income to assets | -0.1412% | 6,088 |
Return on assets (ROA) | -0.1412% | 6,116 |
Pretax return on assets | -0.1324% | 6,039 |
Return on Equity (ROE) | -1.7305% | 6,178 |
Retained earnings to average equity (ytd only) | -1.7305% | 5,677 |
Net charge-offs to loans | 0.7670% | 2,141 |
Credit loss provision to net charge-offs | 118.6441% | 3,923 |
Earnings coverage of net charge-offs (x) | 0.9322% | 4,833 |
Efficiency ratio | 95.0082% | 1,440 |
Assets per employee ($millions) | 1.4805% | 8,075 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3152% | 1,083 |
Loan loss allowance to noncurrent loans | 29.6112% | 6,517 |
Noncurrent assets plus other real estate owned to assets | 7.7897% | 498 |
Noncurrent loans to loans | 7.8185% | 576 |
Net loans and leases to total assets | 78.1347% | 1,713 |
Net loans and leases to deposits | 92.4891% | 2,377 |
Net loans and leases to core deposits | 114.4290% | 2,864 |
Total domestic deposits to total assets | 84.4799% | 3,512 |
Equity capital to assets | 9.8410% | 4,164 |
Core capital (leverage) ratio | 9.1794% | 4,333 |
Tier 1 risk-based capital ratio | 12.9527% | 4,182 |
Total risk-based capital ratio | 14.2174% | 4,088 |
Memoranda: | ||
Average total assets | $113,335,330 | 4,791 |
Average earning assets | $98,863,330 | 4,926 |
Average equity | $9,246,000 | 5,598 |
Average total loans | $76,924,330 | 4,702 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0648% | 2,094 |
Cost of funding earning assets | 0.8696% | 7,848 |
Net interest margin | 5.1952% | 282 |
Noninterest income to average assets | 2.3431% | 274 |
Noninterest expense to average assets | 8.3158% | 145 |
Loan and lease loss provision to assets | 0.8040% | 1,604 |
Net operating income to assets | -2.1889% | 7,707 |
Return on assets (ROA) | -2.1889% | 7,705 |
Pretax return on assets | -2.1889% | 7,586 |
Return on Equity (ROE) | -29.2095% | 7,900 |
Retained earnings to average equity (ytd only) | -29.2095% | 7,848 |
Net charge-offs to loans | 0.8426% | 1,545 |
Credit loss provision to net charge-offs | 151.2346% | 2,758 |
Earnings coverage of net charge-offs (x) | -2.6049% | 5,500 |
Efficiency ratio | 119.9811% | 633 |
Assets per employee ($millions) | 1.8654% | 7,987 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3219% | 920 |
Loan loss allowance to noncurrent loans | 47.6316% | 5,354 |
Noncurrent assets plus other real estate owned to assets | 4.1182% | 1,227 |
Noncurrent loans to loans | 4.8748% | 1,121 |
Net loans and leases to total assets | 60.9219% | 5,506 |
Net loans and leases to deposits | 69.8954% | 5,990 |
Net loans and leases to core deposits | 77.4446% | 6,580 |
Total domestic deposits to total assets | 87.1615% | 2,143 |
Equity capital to assets | 7.0818% | 7,637 |
Core capital (leverage) ratio | 7.0380% | 7,610 |
Tier 1 risk-based capital ratio | 11.9507% | 5,000 |
Total risk-based capital ratio | 13.2166% | 4,888 |
Memoranda: | ||
Average total assets | $121,888,000 | 4,597 |
Average earning assets | $107,637,500 | 4,699 |
Average equity | $9,134,000 | 5,648 |
Average total loans | $76,901,000 | 4,733 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2729% | 629 |
Cost of funding earning assets | 1.4922% | 7,622 |
Net interest margin | 5.7807% | 136 |
Noninterest income to average assets | 3.3604% | 173 |
Noninterest expense to average assets | 9.3948% | 157 |
Loan and lease loss provision to assets | 1.5477% | 864 |
Net operating income to assets | -2.8769% | 7,795 |
Return on assets (ROA) | -2.8769% | 7,764 |
Pretax return on assets | -2.5380% | 7,603 |
Return on Equity (ROE) | -26.0901% | 7,883 |
Retained earnings to average equity (ytd only) | -26.0901% | 7,831 |
Net charge-offs to loans | 1.1594% | 1,046 |
Credit loss provision to net charge-offs | 205.4124% | 2,363 |
Earnings coverage of net charge-offs (x) | -1.3144% | 6,639 |
Efficiency ratio | 111.7837% | 678 |
Assets per employee ($millions) | 1.7730% | 8,057 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2769% | 878 |
Loan loss allowance to noncurrent loans | 63.6799% | 4,822 |
Noncurrent assets plus other real estate owned to assets | 3.4691% | 1,287 |
Noncurrent loans to loans | 3.5755% | 1,411 |
Net loans and leases to total assets | 62.3968% | 5,559 |
Net loans and leases to deposits | 72.6789% | 5,982 |
Net loans and leases to core deposits | 79.9118% | 6,626 |
Total domestic deposits to total assets | 85.8527% | 2,470 |
Equity capital to assets | 7.9272% | 6,929 |
Core capital (leverage) ratio | 7.3758% | 7,330 |
Tier 1 risk-based capital ratio | 13.2457% | 3,969 |
Total risk-based capital ratio | 14.5098% | 3,872 |
Memoranda: | ||
Average total assets | $102,993,600 | 4,962 |
Average earning assets | $89,867,600 | 5,087 |
Average equity | $11,356,800 | 5,020 |
Average total loans | $66,930,600 | 4,980 |